Georgia Banking Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 138.8% higher than in Q1 2026, at $431.9M. Georgia Banking Company ranks 23rd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 90.00% (Q2 2026). At 90.00%, Georgia Banking Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $431.9M |
| Cash and noninterest-bearing balances to assets | 12.40% |
| Cash and securities | $557.0M |
| Fed funds sold and reverse repos | $27.9M |
| Fed funds sold and reverse repos to assets | 0.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Net loans and leases to deposits | 88.99% |
| Loans and leases to core deposits | 98.49% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 4.57% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.19% | 79.12% | $0 | $50.0M |
| Q4 2023 | 88.59% | 78.46% | $0 | $50.0M |
| Q1 2024 | 102.68% | 76.42% | $0 | $85.0M |
| Q2 2024 | 98.81% | 73.71% | $0 | $85.0M |
| Q3 2024 | 105.35% | 75.88% | $0 | $175.0M |
| Q4 2024 | 96.85% | 79.50% | $0 | $150.0M |
| Q1 2025 | 100.94% | 80.09% | $0 | $150.0M |
| Q2 2025 | 107.60% | 79.50% | $0 | $200.0M |
| Q3 2025 | 102.62% | 80.90% | $0 | $225.0M |
| Q4 2025 | 94.00% | 83.61% | $0 | $0 |
| Q1 2026 | 101.57% | 82.64% | $0 | $100.0M |
| Q2 2026 | 90.00% | 86.81% | $0 | $0 |
Georgia Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Georgia Banking Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Georgia Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57071) · FFIEC NIC profile (RSSD 3016347)